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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $162,505 | $81,504+99.4% | $102,437+58.6% | $80,959+100.7% |
| Participation rate | 52.1% | 66.9%-14.8pp | 74.5%-22.5pp | 67.7%-15.6pp |
| Annual return | 13.86% | 25.60%-11.7pp | 24.95%-11.1pp | 35.67%-21.8pp |
| Employer contribution / active EE | $1,975 | $3,104-36.3% | $3,871-49.0% | $2,757-28.4% |
| Participant deferral / active EE | $5,665 | $3,871+46.4% | $5,060+12.0% | $4,300+31.7% |
| Admin fee / account holder | $23,361 | $6,719+247.7% | $8,388+178.5% | $6,925+237.3% |